REFUND OF CHARGES – JOINT ACCOUNT HOLDER CARD (AC NO 12221150006109) 1. This is with reference to my holding of joint account holder debit cards for my account. The account no in reference 12221150006109 is a joint account. It is Navy Pay Account. Being an erstwhile CBOP customer, I have been holding the joint account holder card for my spouse from 1999. I have not payed any charges on this till date. Post transition to HDFC view the merger has revealed through phone banking that I am to pay some charges for holding the same... read full review »